Universal 1
Dayton, OH · Charter 64970 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$424.7MAssets
$214.6MLoans
$370.1MShares
$52.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 60% of credit unions under $1B in assets (rank 667 of 1682).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets (rank 1335 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.71%
Rank 865 of 1,683
Net Interest Margin
3.71%
Rank 932 of 1,683
Efficiency Ratio
74.74%
Rank 667 of 1,682
Equity / Assets
12.42%
Rank 927 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 49% | 865 / 1,683 | | |
| Return on Equity | 5.73% | 2.67% | 5.89% | 8.74% | Beats 48% | 868 / 1,681 | | |
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 932 / 1,683 | | |
| Efficiency Ratio | 74.74% | 68.91% | 78.20% | 86.93% | Beats 60% | 667 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.53% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,335 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.42% | 10.44% | 12.89% | 16.53% | Beats 45% | 927 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.42% | 10.44% | 12.89% | 16.53% | Beats 45% | 927 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.98% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,143 / 1,683 | | |
| Loans / Assets | 50.52% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,106 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |